I just checked my Credit Karma (usually check it once a month), and my "scores" from Transunion and Equifax are 35+ points apart. This makes no sense. I am planning on pulling my actual reports from both companies to inquire what may be causing the differences.

Does your bank or any of your credit cards offer free credit scores? So many do today. My banks such as Chase, First National Bank of Omaha, Discover, Barclay, USAA, Citi Bank and US Bank all offer me free monthly credit scores. No need to buy them or use outside providers. As to Credit Karma and others there has been lots of talk around the credit forum world about the differences between their bank provided scores and what they found with outside providers. Check to see if you don't have such information with your present providers.

I'm noticing that more myself. I've also noticed I leave more messages when I contact people from work. It used to be about 50/50, but I think most people now let it go to voicemail and deal with it if someone leaves a message.

My big issue with ignoring calls that I don't recognize is that it's so easy to spoof them. I wind up answering a call here and there because the area code and first three digits resemble those I know.

My previous smartphone wouldn't let me block numbers, which is why I started using the g-voice number. The one I have now makes it very easy, and I can report spam text messages. The main difference between the two? My previous phone was one I bought from the carrier, who would gladly let me pay $5 per month to block a number. The new one is unlocked.

I keep all my friends with names on my phone. Unless I'm expecting a call from someone outside of my "friends" category, I won't answer anything without a name. I must be on every marketing list in the world! I check my messages for any calls that I missed that are important. Say FrankN, how does one block callers from a cell phone?

That's the problem with anything "free." It looks good on the surface and may work for a while but there's a catch there somewhere. I especially like those "free" things that sell their email and phone lists to other companies.

I think anytime you download software, open an account, or sign up for something "free", the fee is usually you, the end user. Whether it's facebook, Credit Karma, WOT, or anything else. I always read the mile long privacy notice and hope I don't miss something major. Of course, that policy can change in the blink of an eye.

Does anyone know how to stop marketers from calling your cell phone number?

I have caller ID on my cell JGibbs. If a number pops up that I don't know, I don't answer. If they don't leave a message I block that number from my phone. I have blocked a lot lately from all over the country.

That is smart Lexie. I don't answer #s I don't know, but thats a good idea to block that number going forward.

That's the problem with anything "free." It looks good on the surface and may work for a while but there's a catch there somewhere. I especially like those "free" things that sell their email and phone lists to other companies.

I think anytime you download software, open an account, or sign up for something "free", the fee is usually you, the end user. Whether it's facebook, Credit Karma, WOT, or anything else. I always read the mile long privacy notice and hope I don't miss something major. Of course, that policy can change in the blink of an eye.

Does anyone know how to stop marketers from calling your cell phone number?

I have caller ID on my cell JGibbs. If a number pops up that I don't know, I don't answer. If they don't leave a message I block that number from my phone. I have blocked a lot lately from all over the country.

When I was having trouble with unknown numbers calling often, I started using a Google Voice number as my phone number when signing up for things. It's definitely helped. At first I got a lot of emails about "messages" that were seconds long, but once I turned that off, it hasn't been a bother at all. You can easily add a number if you already have a google account or create a dummy one just for Voice.

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